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“An ounce of prevention is worth a pound of cure.” J. Layne Smith’s Mom
“Don’t bring a knife to a gun fight.” J. Layne Smith’s Dad
You need an insurance advisor who is on your side, has no conflicts of interest, and who
understands the workers comp insurance law, the policy language and the endorsements. J.
Layne Smith, and his team of experts, which includes a Certified Property Casualty Underwriter
(CPCU), consult with and advise employers about workers compensation exposures and how to
reduce premiums. You do not want to discover an uninsured exposure after someone has suffered
a catastrophic on the job injury. Likewise, you do not want to overpay premiums, or get
“sticker shock” when you see your final audit bill.
Sometimes there is no substitute for conducting your own proactive self-audit, for use in
negotiating or litigating a reduced premium, or refund. You need your own premium audit expert.
Call Mr. Smith today and ask him to review your business operations and to make recommendations,
or to schedule an audit of your present and last several years of workers compensation premium
exposures. Timing and time are of the essence.
Trucking carriers often hire owner-operators to transport goods that the carriers
are under contract to deliver. J. Layne Smith assists trucking carriers in negotiating
and documenting equipment contract agreements that establish a contractor/independent-contractor
relationship between the parties, each party's specific duties, a confidentiality/non-compete
provision, and insurance requirements.
Remember, the best solution for workers compensation issues is to prevent problems before
they happen. If you have questions about workers compensation laws contact workers compensation
consultant J. Layne Smith. He will assist you in negotiating reasonable premiums, reducing the
costs of performing a workers compensation audit, and forming contracts with insurance carriers
and contractors that fit your company’s unique needs. Being proactive will allow your company
to operate in a more business-savvy and cost-effective manner.
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